38.2-111 - Miscellaneous property and casualty.
§ 38.2-111. Miscellaneous property and casualty.
A. "Miscellaneous property insurance" means insurance against loss of ordamage to property resulting from:
1. Lightning, smoke or smudge, windstorm, tornado, cyclone, earthquake,volcanic eruption, rain, hail, frost and freeze, weather or climaticconditions, excess or deficiency of moisture, flood, the rising of the watersof the ocean or its tributaries; or
2. Insects, blights, or disease of such property other than animals; or
3. Electrical disturbance causing or concomitant with a fire or an explosion;or
4. The ownership, maintenance or use of elevators, except loss or damage byfire. This class of insurance includes the incidental power to makeinspections of and to issue certificates of inspection upon any suchelevator; or
5. Bombardment, invasion, insurrection, riot, civil war or commotion,military or usurped power, any order of a civil authority made to prevent thespread of a conflagration, epidemic or catastrophe, vandalism or maliciousmischief, strike or lockout, collapse from any cause, or explosion; but notincluding any kind of insurance specified in § 38.2-115, except insuranceagainst loss or damage to property resulting from:
a. Explosion of pressure vessels, except steam boilers of more than fifteenpounds pressure, in buildings designed and used solely for residentialpurposes by not more than four families;
b. Explosion of any kind originating outside of the insured building oroutside of the building containing the insured property;
c. Explosion of pressure vessels not containing steam; or
d. Electrical disturbance causing or concomitant with an explosion; or
6. Any other cause or hazard which may result in a loss or damage toproperty, if the insurance is not contrary to law or public policy.
B. "Miscellaneous casualty insurance" means insurance against liability,and against loss, damage, or expense arising out of injury to the economicinterests of any person, but not including any class of insurance otherwisespecified in this title, provided that such insurance is not contrary to lawor public policy, except that any policy of miscellaneous casualty insurancemay include appropriate provisions obligating the insurer to pay medical,hospital, surgical, and funeral expenses arising out of the death,dismemberment, sickness, or injury of any person, and death and dismembermentbenefits in the event of death or dismemberment, if the death, dismemberment,sickness, or injury is caused by or is incidental to a cause of loss insuredunder the policy.
(1952, c. 317, §§ 38.1-7, 38.1-12; 1986, c. 562; 2004, c. 182; 2007, c. 762.)